The Tribunal's decision
8 On 3 August 2016, the appellant lodged with the Tribunal an application for review of the delegate's decision.
9 A hearing of the application was held on 22 November 2017. The appellant attended the hearing in person, without representation. She was assisted by a Tamil interpreter.
10 On 7 December 2017, the Tribunal notified the appellant that it had decided to affirm the decision under review. It gave reasons dated 5 December 2017, which may be summarised as follows:
(a) The Tribunal summarised the protection claims raised by the appellant in her visa application, along with further claims raised at the hearing in relation to her second husband. She claimed that the reason that she had come to Australia was that her second husband was abusive and she did not feel safe with him. She told the Tribunal that she had divorced her second husband since coming to Australia, and feared harm from him upon her return to Malaysia because he was "angry and ashamed" that they had divorced. The appellant also elaborated to some extent on her claim that she feared harm from her brother, explaining that he was upset that her financial circumstances had affected him - specifically, by resulting in the bank commencing proceedings against them both.
(b) The Tribunal accepted a great deal of the appellant's oral evidence in relation to her fear of harm from her ex-husband, notwithstanding the fact that it was sometimes "very vague". It accepted that the appellant was verbally mistreated by her ex-husband, and that they quarrelled over his treatment of her son. It accepted her evidence that, on two occasions, her ex-husband had gone to hit her. However, it noted that he did not actually do so. Having regard to this conduct, it accepted that the appellant's ex-husband had threatened her in some way in the past and that the appellant did not feel safe with him. However, it did not accept that his conduct amounted to "torture", as defined in s 5(1) of the Act.
(c) The Tribunal further found that the appellant's evidence about her claim that her ex-husband would harm her upon her return to Malaysia was "vague and limited". It did not accept that he had threatened her at any time after her arrival in Australia. It took account of her claims in relation to her ex-husband's attitude towards her following their divorce, but it did not accept that the evidence before it supported the conclusion that her ex-husband intended to harm her in any way in the future. On this point, the Tribunal also took into account the fact that 18 months had elapsed since the appellant's departure from Malaysia, and her last contact with her ex-husband was six months ago, at which time he had indicated his wish to have no further contact with her. In these circumstances, given the passage of time, the Tribunal considered that the risk of harm to the appellant from her ex-husband was remote. It did not accept that she had a well-founded fear of persecution or that she faced a real risk of significant harm on this basis.
(d) On the same point, the Tribunal noted the appellant's statement that her ex-husband knew the location of her mother's residence, where she would live upon her return to Malaysia, and her claim that he might find her there. However, it assessed that her ex-husband's past conduct did not indicate that he intended to harm her in any way. It also noted that, according to the appellant, her family home was a long distance from her ex-husband's home.
(e) The Tribunal proceeded to express some scepticism about the appellant's claims in relation to the risk of harm from her ex-husband. It noted that the point had not been raised in her written reasons for claiming protection, despite the fact that she had evidently understood the questions in Part C of the visa application and been able to give clear responses. It also pointed out that, noting that the appellant did not appear to have experienced any difficulty in advancing claims about her financial circumstances, it expected that she would have mentioned her claim about her ex-husband - given that, as she said, she had left Malaysia because she feared harm or mistreatment at his hands, and this was her only, or main, concern about returning to Malaysia. The Tribunal did not accept the appellant's explanation for her failure to make the claims concerning her ex-husband in her written visa application. It concluded that her claimed fear of harm from her ex-husband had been concocted.
(f) Ultimately, on the basis of the evidence before it, the Tribunal found that there was not a real chance that the appellant faced serious harm from her ex-husband. It found that the appellant did not have a well-founded fear of persecution for this reason. It also did not accept that there were substantial grounds for believing that there was a real risk that she would suffer significant harm if removed from Australia to Malaysia.
(g) In relation to the appellant's original claims regarding her financial circumstances, the Tribunal accepted that she and her brother had in 2002 taken out a mortgage or housing loan in a joint account with Public Bank Berhad. It accepted that the appellant had been unable to pay the loan and that the bank had sold the property at a lower price than she had paid, after which time she and her brother still owed a substantial amount as joint mortgagees. Importantly, the Tribunal did not accept the appellant's written claim that the bank had already decided to pursue her in bankruptcy, which had been contradicted by her oral evidence. After considering her work history in some detail, it acknowledged that she may experience some financial hardship if she returned to Malaysia, but nevertheless concluded that she would have the means to continue making payments to the bank in accordance with a prior agreement that she had reached with it. It did not accept that she would face bankruptcy proceedings.
(h) The Tribunal did not accept that the appellant would experience severe economic hardship that would threaten her capacity to subsist. It also did not accept that she would be denied the capacity to earn a livelihood, that she would be denied access to basic services, or that she would be subject to any other form of serious harm listed in s 5J(5) of the Act. Accordingly, it found that the appellant did not have a well-founded fear of persecution on account of the matters raised in her claims. Based on the same findings and reasons, it also did not accept that there were substantial grounds for believing that there was a real risk that the appellant would suffer significant harm if removed from Australia to Malaysia.
(i) In relation to the same claims, the Tribunal also considered whether the appellant had a well-founded fear of persecution or faced a real risk of significant harm in the event that she did not make payments as previously negotiated with the bank. Having regard to certain country information and evidence given by the appellant, it found that, even if she was declared bankrupt in Malaysia, she would still have the capacity to subsist. It was not satisfied that the potential for bankruptcy proceedings to be commenced against her gave rise to a well-founded fear of persecution or meant that she faced a real risk of significant harm.
(j) The Tribunal regarded the appellant's claims about her fear of harm from her brother as "purely speculative". It did not accept that she faced a real prospect of serious harm from him, or that any well-founded fear of persecution arose from these claims.
(k) The Tribunal found that the appellant's claim that her family was "torturing her for money" did not arise for any of the reasons set out in s 5J(1)(a) of the Act. Her fear of persecution was therefore not well-founded. It did not accept that the appellant's family had mistreated or harmed her for any reason. Similarly, it did not accept that her family had tortured her for money or for any other reason. Accordingly, there were no substantial grounds for believing that there was a real risk that she would suffer significant harm upon her return to Malaysia.
(l) In relation to the appellant's personal circumstances, the Tribunal acknowledged that she had experienced personal loss in respect of her marriages. However, it found that these circumstances had not arisen for one or more of the reasons set out in s 5J(1)(a). It found that the appellant's fear of persecution was not well-founded. The personal loss that she had experienced was also found not to constitute significant harm, as defined in the Act. While the Tribunal acknowledged that the appellant had developed strong ties in Australia, and that separation from her current de facto partner in Australia would be distressing, it again found that these circumstances were not connected with any of the reasons set out in s 5J(1)(a). Her fear of persecution was found not to be well-founded and the difficulties that she would face did not amount to a real risk of significant harm.
(m) Having regard to all of the appellant's claims, both individually and cumulatively, the Tribunal did not accept that she had a well-founded fear of persecution upon her return to Malaysia, now or in the foreseeable future. It did not accept that there were substantial grounds for believing that there was a real risk that she would suffer significant harm as a necessary and foreseeable consequence of her being returned to Malaysia. Accordingly, it was not satisfied that the appellant was a person in respect of whom Australia had protection obligations under s 36(2)(a) or (aa) of the Act. The delegate's decision was affirmed.